Page 79 - Hollard Private Portfolio - Version 3.4

Personal liability
Towards your domestic employee
If you are a tenant, we also cover you for the following instances of personal liability towards your domestic employee, provided that these arise out of their employment duties:
○ loss or damage to their property
○ bodily injury or death.
This cover overrides any exclusion around domestic employees that may feature elsewhere in this policy.
PROPERTY OWNER’S LIABILITY
If you have Buildings cover under this policy then you automatically get Property Owner’s Liability cover.
For the home you own
If you own the private residential building, we cover you for the following instances of personal liability:
○ loss or damage caused by an insured event specified under the Buildings section
○ death, bodily injury, loss or damage that arises directly out of your ownership of the home specified under the Buildings section.
Towards your domestic employee
If you own the private residential building, we also cover you for the following instances of personal liability towards your domestic employee, provided that these arise out of their employment duties:
○ loss or damage to their property
○ bodily injury or death.
This cover overrides any exclusion around domestic employees that may feature elsewhere in this policy.
Renting out your home
If you own the private residential building that you have let or rented out to a tenant, we cover you for the following instances of personal liability:
○ loss or damage caused by an insured event specified under the Buildings section
○ death, bodily injury, loss or damage that arises directly out of your ownership of the home specified under the
Buildings section.
Your tenants are regarded as third parties for the purpose of this cover.
Towards paying guests
We will cover you for legal liability towards paying guests, who are injured or die because of an accident that happens at your risk address.
SPREAD OF FIRE LIABILITY
If you have Buildings or Household contents cover under this policy then you automatically get Spread of Fire Liability
cover.
We will cover your legal liability resulting from the spread of fire from your premises. This is on condition that you comply with all the requirements of the National Veld and Forest Fire Act (if applicable).
Cover is limited to the amount stated in your policy schedule for plots and farms. A plot (also referred to as a smallholding or agricultural holding) or a farm is a property that has been zoned for agricultural use. This does not necessarily mean that the property is used for agricultural purposes.
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